While many principles of car insurance also translate to caravan insurance, there are clearly some key differences. If you know what to look for, then you’ll be able to get the right level of cover, and you may also be able to save yourself some money if you understand how everything works.
Firstly, you need to be aware that there are usually two different types of insurance depending on whether you have a touring caravan, or a static one. A touring caravan is one which has no fixed location, and you can tow yourself to any destination you wish. A static caravan is one that is kept and maintained on a particular site. While theoretically moveable, this is done by specialists and is not frequent. As an example, touring caravan insurance is likely to include trips within the EU, where static cover would not. Ensure you’re getting the right quote.
The contents of the caravan are usually included as part of the insurance policy. All of the fixtures and fittings can be insured for damage or theft. Be aware however, that you must keep your caravan secure at all times by using security features such as wheel locks and immobilisers. If a thief gains entry as a result of your negligence, you are unlikely to be able to make a successful claim.
You’ll also be covered while out on the road for accidental damage and collisions; this is absolutely essential, along with having public liability. This means you’ll be covered in the event of causing damage to another person or their property with the caravan, just as with a car.
‘New for old’ cover is a very common offer incorporated within caravan insurance. In the event that your caravan is a write off, you’ll be given a brand new one in replacement, however, it is dependent on the circumstances of the accident. The ‘new for old’ policy generally only applies when your caravan is under five years old, so it’s important that you check what your policy covers.
What’s Not Covered
There are generally a few things that insurers do not cover you for. Normal wear and tear is the main one, just as with car insurance. You’ll also find that companies do not accept claims for damage caused by animals, including vermin and pets, but read the policy details.
Using your caravan for business purposes, or in connection with your employment in any way is also frequently one of the reasons for claims being rejected. You’d need a different type of insurance for this.
Bringing Down the Cost
Simply shopping around or using a broker like www.towergateinsurance.co.uk can help in getting a low cost quote, but there are also other things that you can do.
The security of the caravan is one of the main concerns of an insurer. If you can show them that your caravan is very secure, then they are more likely to give you discounts. This includes fitting features such as immobilizers, locks, clamps and alarms.
Being a member of certain clubs and organisations can also help to bring down the price of your premium.